I "maxed out" paying in in many a year. I haven't done the math, but I'm sure I'm still at the stage where one could say I'm getting my money back. Besides, I can easily claim what funds my peers who didn't make it to 65 put in. And then there's the time value of money or adjustments for inflation, etc.
Unfortunately, rationalization aside, that's not how the system works.
Put some money aside for your retirement!